About Brandon Roberts

Brandon Roberts has been a member since April 19th 2012, and has created 301 posts from scratch.

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IPB 025: Life Insurance as a Retirement Tool Part 1



One of the biggest problems for most Americans is understanding how to convert the balance they have saved in retirement plans, brokerage accounts etc. into an income they can use during retirement.

The financial services industry has done a masterful job at training “advisors” to help their clients accumulate cash. But very few advisors Read More…

IPB 024: The Ultimate Guide to Paid Up Additions (podcast edition)



We love paid-up additions and if you’ve listened to us at all, you’re not all that surprised. But we’ve made a little misstep in terms of being so broad in our discussion about them.

And we’re always adding new people to our audience. So it bears repeating…

Not all paid-up additions are created equal.

While there are more characteristics with paid-up additions that are similar than different, there are some sharp contrasts that very much matter.

There are four key elements that you need to understand to make an informed decision before purchasing a whole life insurance policy using a paid-up additions rider:

1. Maximum annual paid-up additions payments

2. Lifetime maximum paid-up additions payments

3. Payment flexibility (can the policyholder adjust the paid-up additions rider up and down and can the policyholder make paid-up additions payments as lump sums throughout the year instead of systematically with the premium mode [annual, monthly, quarterly]?)

4. Paid-up addition rider load fees

You can’t just blindly assume that because a policy uses paid-up additions it meets the criteria that we would demand of a properly designed whole life policy.

If you’d like our definitive guide to paid up additions click the button below. Please note that if you already purchased this from us, do not buy it again…the information hasn’t changed.



Here’s a picture of the Table of Contents to give you a better idea of what’s included:


If that looks like something you might find useful, please go over and purchase the guide here.

2015 Operational Cash Flow Growth for Whole Life Focused Life Insurers


We’ve reported on operational cash flow among life insurers in the past and note that we hold this metric in high regard for a multitude of reasons.

Our philosophy is that operational cash flow shows us true profitability of a life insurance company, especially among whole life focused insurers. Why is that? Well, it’s primarily because life insurers have a unique income reducing option at their disposal with policyholder dividends. Read More…

IPB 023: The Fiduciary Rule

The rule book

Well, the Department of Labor has finally rolled out their long awaited ruling on retirement accounts and a new “fiduciary rule”.

Rather than re-invent the wheel here in this post, I’m going to refer you to this piece I wrote last summer:

Can the government fix your retirement woes?

Also, if you want to read the opinions from both sides of the argument that were published in the last couple of weeks, here are three pieces that cover the new rule:

  1. Read the summary written by Kim O’Brien at Americans for Annuity Protection
  2. Read the summary written by Michael Kitces
  3. Read the summary written by Jack Marrion of the Advantage Compendium

Our big takeaway…the cheapest/least expensive option is not always the best option. What’s best for  clients is entirely subjective.

IPB 022: Life Insurance Customer Service Pitfalls

life insurance customer service pitfalls

Today we’re talking about one of the less glamorous aspects of our business…customer service. It seems like an obvious thing.

Surely a life insurance company that sells a particular product will be able to deliver service requests that are made by their customers. I wish that were always true.

It’s not.

In fact Read More…


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